Oneassure

Partner with us

Insurance Plans Comparison

Star Optima Insurance vs Niva Bupa Reassure 2.0 Platinum+

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Star

Optima Insurance

Optima Insurance

What Makes It Special:

Optima Insurance is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Niva Bupa

What Makes It Special:

Niva Bupa ReAssure 2.0 Platinum is a top-tier health insurance plan offering sum insured options from ₹5 lakh up to ₹1 crore, with no room rent caps or co-payment. It provides unlimited reinstatement of cover from the first claim (ReAssure Forever) and Booster+, which lets unused cover accumulate up to 5–10× base sum insured. The...

Best For:

  • Comprehensive Premium Health Coverage

  • High-Limit Family Floater Plan

  • Unlimited Restoration Insurance Policy

  • Advanced Treatment Global Care Plan

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Star Optima Insurance

Not available

Niva Bupa Reassure 2.0 Platinum+

  • You need very high medical coverage limit up to ₹1 crore

  • You prefer unlimited sum insured restoration after every claim

  • You want no room rent or ICU restrictions

  • You value modern treatment and maternity benefits included

  • You enjoy annual health check-ups and wellness perks from day one

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Optima Insurance
Optima Insurance

Health Insurance Plan

Brochure

Policy Wording

VS
Reassure 2.0 Platinum+
Reassure 2.0 Platinum+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Optima Insurance

Normal: Single Private A/C Room

ICU: Covered up to Sum Insured

VS

Reassure 2.0 Platinum+

All room categories are covered

Advanced Treatments

Optima Insurance

Immunotherapy – Monoclonal Antibody injections

Stem Cell Therapy for hematological conditions

IONM (Intraoperative Neuro Monitoring)

Green Laser / Holmium Laser prostate treatment

Bronchial Thermoplasty

Oral Chemotherapy

Robotic Surgeries

Deep Brain Stimulation

Balloon Sinoplasty

Uterine Artery Embolization and HIFU

VS

Reassure 2.0 Platinum+

Not Available

ICU Charges

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

No restriction on ICU room rent

Co-payment

Optima Insurance

20% mandatory co-payment for insured persons entering at age 61 years and above

VS

Reassure 2.0 Platinum+

Not available

Disease-wise sublimits

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

No

Waiting Period

Optima Insurance

Initial Waiting Period: 30 days

Pre-existing Disease Waiting Period: 36 months

Specific Disease/Procedure Waiting Period: 24 months

VS

Reassure 2.0 Platinum+

Not Available

Cashless Healthcare Providers

Optima Insurance

Cashless treatment available at network hospitals

VS

Reassure 2.0 Platinum+

10,000+ Healthcare Providers

Restoration Benefit

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Daycare Treatment

Optima Insurance

All daycare procedures covered

VS

Reassure 2.0 Platinum+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Your sum insured increases by 100% every year, maximum up to 500%

AYUSH Treatment

Optima Insurance

Covered up to Sum Insured

VS

Reassure 2.0 Platinum+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

No. However, available as an add-on

Initial Waiting Period

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

30 days

Specific Waiting Period

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

2 years

PED Waiting Period

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

3 years

Modern Treatment

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

OPD expense is not included

Deductible Option

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Available as an option

Coverage Options

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

92.02%

Maternity Cover

Optima Insurance

Not Available

VS

Reassure 2.0 Platinum+

Not available

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Optima Insurance vs Supreme (Direct)

Optima Insurance vs Senior First Gold Plan

Optima Insurance vs Activ One VIP

Optima Insurance vs Optima Secure Global Plus

Optima Insurance vs Health Recharge Super Top Up Plan

Reassure 2.0 Platinum+ vs Supreme (Direct)

Reassure 2.0 Platinum+ vs Senior First Gold Plan

Reassure 2.0 Platinum+ vs Activ One VIP

Reassure 2.0 Platinum+ vs Optima Secure Global Plus

Reassure 2.0 Platinum+ vs Health Recharge Super Top Up Plan

Oneassure

Health Insurance

Compare Health Insurance Plans

Optima Insurance Vs Reassure 2.0 Platinum+

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.